for the first quarter, however, the debt ceiling debate is a big one. and while we feel, again, cautiously optimistic for the year, for this first quarter all bets might be off, and we are anticipating a high degree of volatility until we get more resolution on that issue. hover orr and, jack, i know you also are concerned, do you think we're looking at a downgrade and maybe a recession of the domestic economy. >> yeah. it's certainly a worst case scenario, i would say. but, lori, i'm not looking for it. that's really my fear. i think most likely case, you know, i have to agree, i think that we'll muddle along. we will, you know, pump out, you know, moderately positive economic growth, moderately positive be revenue growth, flatline earnings growth and a moderately positive stock market for the year. obviously, there are a lot of things that stand in the way of that, and that's, you know, intractability of congress and working in washington. and that's a huge wildcard. lori: quick follow-up. jack lew, does he change things? obviously, we know he's in fa